Granular Investments 2021 © All rights reserved.
welcome to granular investments
Granular Investments is a London-based specialist advisor for insurance and reinsurance companies that want to participate in the growing European bank capital relief market by offering credit risk protection on loan portfolios.
Based in London and established in 2019, Granular Investments is a specialist advisor for re/insurance companies that want to participate in the growing European bank capital relief market by offering credit risk protection on loan portfolios.
By properly transferring credit risk on a portfolio to a highly rated re/insurer, banks can reduce their regulatory capital needs if they meet certain conditions required by their supervisors. This market now covers €100bn of new loans each year.
Granular Investment assists its insurance and reinsurance clients in all aspects of credit risk transfer deals:
Portfolio due diligence
Tax & Legal
Overall deal coordination
How it Works
A short introduction to the regulatory environment and criteria that allow banks to optimize their capital through credit risk transfer.
Granular Investments acts as advisor to insurance and reinsurance companies on credit risk transfer deals between them and European banks. Our clients are the re/insurers, to whom we owe our duty of care while treating fairly all parties in the transaction. We are paid by the re/insurers only, and not by the banks.
Granular Investments normally receives a percentage of the protection fee paid by the bank to the re/insurer, who is able to accept or decline each individual deal. Where Granular Investments has more discretion in the final underwriting decision, a pricing model with a performance component can be envisaged.
Our market in Europe...
The founders of Granular Investments have decades of experience in banking, insurance and securitisation, and have been the first to achieve recognition for such deals in Europe since the financial crisis.
Former CEO of Arch Mortgage Insurance. Responsible for multi-billion mortgage credit risk portfolio across Europe, with outstanding performance.
Former CEO of Arch Risk Partners and Managing Director at Arch Underwriters Europe. Previously Head of Capital Markets at PMI Europe, and before then 20 years in investment banking and securitisation.
Use our contact details below or send us a message and we’ll be in touch!